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Current CD rates and terms at Citibank. You can often get higher than advertised rates at your local branch if you do your homework. Print out our "Highest CD Rate Survey" and bring it in with you. Print out some of the advertisement of rates advertised on your bank's competing web sites so you have proof.                                              Contact Info

Bottom line: It never hurts to ask the teller if better rates are available when you do your homework! 
        
==> " CD Rates at Citibank " as of 8/17/09 <==

These CDs require $500 to open 
 $500 to $250,000
APY Interest Rate
3-month 0.40% 0.40%
4-month 0.40% 0.40%
5-month 0.80% 0.80%
6-month 0.80% 0.80%
7-month 0.80% 0.80%
8-month 0.90% 0.90%
9-month 0.75% 0.75%
10-month 0.75% 0.75%
12-month 1.50% 1.49%
Option CD 1.01% 1.00%
13-month 1.01% 1.00%
18-month 2.25% 2.23%
2-year 1.75% 1.73%
30-month 1.25% 1.24%
3-year 2.25% 2.23%
4-year 2.75% 2.71%
5-year 3.00% 2.96%



Article: Beware of Annuities

Citibank Contact Information and email address for suspicious e-mails
Citibank Client Services
Citi Inquiries
100 Citibank Drive
San Antonio, TX 78245
Online Support
1-800-374-9700
(TTY: 1-800-788-0002)
Account Information
1-800-627-3999
(TTY: 1-800-945-0258)

Every Internet user should know about spoof (a.k.a. phishing or hoax) e-mails that appear to be from a well-known company but can put you at risk.  Although they can be difficult to spot, they generally ask you to click a link back to a spoof web site and provide, update or confirm sensitive personal information. To bait you, they may allude to an urgent or threatening condition concerning your account.

Forward any suspicious e-mails to:  emailspoof@citigroup.com






It costs money to get new accounts so Banks often give you a deal if you are ready to walk out the door with a chashier's check after you close your CD. 

Definition: 
A Certificate of Deposit or CD is certificate from a bank stating that the named party has a specified sum on deposit, usually for a given period of time at a fixed rate of interest.  Often there is a penalty for early withdrawal (taking your money out before the specified period of time.)

Definition:  A Liquid Certificate of Deposit gives you a CD rate that is usually better than most checking accounts while allowing more fluid access to your money.  That is you can take money out of the CD before it matures.  They usually pay higher rates than the offering bank's money market account but not the top rates of CDs held to the full term.  They are sort of "half and half" and thus offer rates that are inbetween the two.

Disclaimer:  Annual Percentage Yield (APY) is accurate as of the day listed and may change without notice.  Contact the banks directly to get current rates, fees and terms.  Fees may reduce earnings. Penalty may be imposed for early withdrawal.


 
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